Upcoming AF...I Don't Want it Reporting.

Upcoming AF...I Don't Want it Reporting.

Hello all,

My AmEx AF is coming up this month. Can I just pay it before the statement cuts, or is that not possible? I have a zero balance and the only charge will be the AF, which as I understand will post at statement cut. A CSR said I can, but she didn't fill me with confidence...lol. She seemed unsure. Thank you as always for your input.

Re: Upcoming AF...I Don't Want it Reporting.

indiolatino61 wrote:

Hello all,

My AmEx AF is coming up this month. Can I just pay it before the statement cuts, or is that not possible? I have a zero balance and the only charge will be the AF, which as I understand will post at statement cut. A CSR said I can, but she didn't fill me with confidence...lol. She seemed unsure. Thank you as always for your input.

Just push the payment with your banks bill pay service.

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Re: Upcoming AF...I Don't Want it Reporting.

gdale6 wrote:

indiolatino61 wrote:

Hello all,

My AmEx AF is coming up this month. Can I just pay it before the statement cuts, or is that not possible? I have a zero balance and the only charge will be the AF, which as I understand will post at statement cut. A CSR said I can, but she didn't fill me with confidence...lol. She seemed unsure. Thank you as always for your input.

Just push the payment with your banks bill pay service.

Of course...thanks Gdale. I hardly ever do that, so I forget about that option...lol....

Re: Upcoming AF...I Don't Want it Reporting.

Will it be the only card reporting a balance? From my understanding, FICO also dings for 0 UTL

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015. Current FICO Scores EX: 715 EQ: 756 TU: 762Last APP April 21, 2015.Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.

Re: Upcoming AF...I Don't Want it Reporting.

Ah, I would overpay. Only a few creditors frown on that and I don't think AMEX is one of them. I would go with the CSR on this one.

If anyone needs me I will be In The Garden. Goal Score: 760 for all in 2015. Current FICO Scores EX: 715 EQ: 756 TU: 762Last APP April 21, 2015.Victim of The great AMEX HP heist of Dec 1st, 2nd and 3rd of 2014.

Re: Upcoming AF...I Don't Want it Reporting.

Yes, my Amex Delta Gold AF will post to my account this month, on the day the statement closes. This frustrates me every year, because I don't typically let this card report a balance to my CR, and it usually dings my score.

This year, I got smart and thought to try exactly what you're describing. I paid my current balance plus $95 and it worked. My CL shows as $30,095. So I can confirm that this will work for you.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.